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How FICO Scores are Calculated

How FICO Scores are Calculated

Your FICO credit score is important when considering buying a home. High scores can qualify for loan packages with lower interest rates, which can increase your borrowing power and lower your monthly payments. If you have a less-than-perfect credit score, you still...
U.S. Hiring Slowed Dramatically in April

U.S. Hiring Slowed Dramatically in April

Wage growth came in far below estimates according to Friday’s jobs report. Unemployment inched up in April, breaking the trend of strong jobs reports over the past year.  The silver lining is that this trend is good news for mortgage rates. The U.S. economy added...
Burgerflation – The Big Mac Index

Burgerflation – The Big Mac Index

Have you ever heard about the price of a Big Mac hamburger being used to gauge inflation?  The Big Mac was introduced in 1967, at a price of 45 cents. Ahh… The good old days! The Big Mac index tracks the burger’s price across countries and highlights the staggering...
Understanding ADUs

Understanding ADUs

The California Department of Housing and Community Development defines accessory dwelling units (ADU) as an innovative, affordable, effective option for housing in California. ADUs, or Accessory Dwelling Units, are secondary living spaces located on the same property...
Preparing for California Storms

Preparing for California Storms

California is known for its great weather, but we still have severe weather events where some preparation can make a huge difference in how well you weather a storm.  The geography is diverse, ranging from ocean-front homes, to snowy mountainous terrain, and...
Budgeting For Your Retirement

Budgeting For Your Retirement

This probably comes as no surprise, but most Americans are not prepared for a comfortable retirement. No matter what your age is, it’s never too early to start planning your retirement strategy.  Here are some key steps to help you budget for retirement:...
Phishing Without a License – Catching Poachers

Phishing Without a License – Catching Poachers

Phishing is a name derived from the word “fishing”.  Phishing is a type of online scam where attackers deceive people into revealing sensitive information or installing viruses or malware. It typically involves baiting Internet users through deceptive email messages...
House Hacking to Afford Homeownership

House Hacking to Afford Homeownership

More than half of buyers under the age of 40 are interested in the option of “house hacking” as a way to afford a home.  House hacking is purchasing a property that also provides rental income to help offset the costs of purchasing and maintaining a home. The basic...